What to do when your brakes fail and how to prevent it

Brake failure while on the road is about the scariest thing that can happen to any motorist. The Luebbering Insurance Agency LLC, serving Jefferson City, MO, would like to let you know how to deal with such an event so that you might come out safely and with your vehicle intact.

The best way to deal with brake failure is to prevent it from happening. You should follow the scheduled maintenance, which will include brake inspection, as set out in your owner’s manual. If your mechanic suggests fixing your brakes, follow the suggestion at once. An ounce of prevention being worth a pound of cure is especially relevant where brake trouble is concerned.

If your brake light starts to flash while you are driving, move over to the side of the road immediately. Do not try to drive the car any further. Call a tow truck, and have your vehicle taken to an auto repair shop to get the brakes fixed.

If your brakes fail, then immediately apply the emergency brake. If you are able to, downshift slowly to reduce the speed of your vehicle. Pull over to the side of the road, and then call a tow truck to take you and your vehicle to a repair shop.

If you do suffer a crash because of brake failure, follow the procedure for auto accidents, including exchanging information with other parties, reporting to law enforcement, and contacting your insurance provider. Damage to your vehicle and any injuries will be evaluated and taken care of.

If you have further questions about auto safety and insurance, feel free to contact the Luebbering Insurance Agency LLC, serving Jefferson City, MO.


What Is Covered With A Commercial Insurance Policy?

When a Jefferson City, MO resident takes the time to speak with agencies like Luebbering Insurance Agency LLC, one of the primary questions that they will have centers around a commercial insurance policy. What do these policies cover? How much protection can a client truly receive?

Benefits To Small Businesses 

Small businesses in Jefferson City, MO benefit the most from these policies. When small business owners meet with Luebbering Insurance Agency LLC representatives, they can learn more about the protection that they will receive from various pitfalls that often take place. For example, the protection of assets is key.

With a commercial insurance policy, the business and the owner’s personal assets are both protected from ruin. Settlements and legal claims that could drain a business’ coffers are avoided entirely. Any small business that plans to succeed in Missouri must be aware of these policies.

What Other Losses Are Prevented?

A Missouri business also receives protection from financial losses that stem from bodily injury claims, personal injury claims, property damage, injuries caused by advertisement and the costs of defending themselves in a legal setting. It is important to note that these policies do not offer any sort of protection against damages caused by willful misconduct or employer negligence. 

How Much Commercial Insurance Should a Business Carry?

Every business will have to make their own decisions in this regard but the majority of small businesses require between $500,000 and $1 million in coverage. High-risk businesses that are involved in costlier interactions and dealing with more customers on a daily basis may want to increase their coverage, though.

The costs are based on the goods and services that are being provided, as well as the number of people that are employed. The claims history and the amount of time that the business has been established also factor into the equation. 

Types of Boat Insurance

Before you put your valuable boat out on the water in Jefferson City, MO, you need to review your boat insurance needs. Luebbering Insurance Agency LLC can ensure that your boat is fully protected. It makes sense to have boat insurance because the physical outdoor activities associated with boating can predispose your boat to a number of risks. Your vessel will be protected against damage, the passengers on your craft will be protected in case of injuries or death, and you will be covered in the event that you inflict bodily injury to other people while using your boat.

Types of boat insurance:

Actual cash value: In case of total loss, your insurance company will reimburse you the value of your boat, including depreciation. You don’t have to fear that you will lose everything in the event of total loss.

Agreed amount value: You should consider discussing this type of boat insurance with your insurer in Jefferson City, MO. You can reach an agreement over the value of the boat at the time you purchase the policy. You can recover the full amount you agreed on in the event of total loss.

Replacement cost coverage: The insurance company has the option of reimbursing you the total original cost of your boat or replace your lost vessel with one that is similar to it.

Most established insurers that provide boat insurance will offer you bundling options for multiple insurance policies. It is prudent to choose these bundled products because it will help you save some quick bucks. In addition, your homeowner’s insurance policy can cover small boats, depending on the features of the policy. However, since liability coverage is limited in nature, your homeowner’s insurance policy will not cover your larger boat for liability and property damage.

Enjoy the summertime with your friends without worries by purchasing the right type of boat insurance. Are you looking for an ideal protection for your vessel? Talk to our knowledgeable insurance agents at Luebbering Insurance Agency LLC for more information on how to get an affordable boat insurance coverage for your boat today.


What is motorcycle insurance?

No, motorcycle insurance is not the same as a standard auto indemnity policy. Yes, you need the special coverage if you own a two-wheel vehicle that has a motor that can exceed speeds of 60 MPH. Your motorcycle is much lighter than a car and, unfortunately, more susceptible to theft. Here are the fast facts about cycle assurance Jefferson City, MO. The staff at Luebbering Insurance Agency LLC can help you sort through the intricate details of your next policy.

What is motorcycle insurance?

Motorcycle insurance, much like auto assurance, is a policy that provides financial backing in the instance of an accident on the road or theft. The limits of your plan are largely dependent on how much you are willing to pay in monthly premiums and state regulations regarding motor vehicles and insurance.

What does motorcycle insurance cover?

Your motorcycle assurance plan can cover as much or little as you like so long as the policy meets the minimum requirements of auto insurance limits in Jefferson City, MO. Most drivers prefer a policy that pays for a maximum of $30,000 per incident and person. You may consider a higher spending limit of you own a home or other amenities that may be at risk in the instance of a lawsuit.

Your average full coverage motorcycle indemnity plan pays for the loss of your bike if it is beyond repair as well as medical bills if you or the innocent party are hospitalized. Some insurance plans even pay for accessories damaged or stolen in an incident, which include helmets and custom exhaust equipment.

Which option is the right choice?

It is best to speak with an agent at Luebbering Insurance Agency LLC when determining the motorcycle insurance plan that best fits your lifestyle. Contact them today for a quote!

Common misconceptions about renters insurance.

About 50% of homeowners often decide not to purchase renters insurance to protect their personal property because they often bet that they’ll never fall victims of day to day perils like fire, burglary or theft. As a homeowner, it is vital to get renters insurance cover for your personal property both in and outside the home. Unfortunately, there are a number of misconceptions about renters insurance. Here are common myths about renters insurance and facts you should know.

I do not have many belongings that are worth the renter’s insurance cover

Most individuals have a common reason that they do not have property worth insuring. Given the fact that all rental properties are susceptible to perils, insurance expert’s advice that renters should not underestimate the value of their possessions since replacing the event of damages would be far much costly.

My landlord already covered for property threats.

As a renter, your landlord might get into an agreement with an insurance company to provide renters insurance but often at times, the insurance policies only protect the building itself and not the belongings. 

Renters insurance only covers my personal belongings

In as much as one may not care about his/her belongings, accidents may damage other tenant’s property or someone may get injured in your home which will be much more costly if you do not have a policy with the liability insurance option. Purchasing renters insurance can save you a number of costs since it covers a wide variety of items.

It is expensive

Most people have the perception that getting an insurance cover is very costly. Fact is, renters insurance is probably a preeminent arrangement in the insurance sector. Before making a choice on the policy you want to purchase, it’s important to get professional advice from an insurance agent with regards to your budget and policy premiums you can afford.

For more information about renters insurance and the quotes, visit our insurance experts us at Luebbering Insurance Agency LLC in Jefferson City, MO to help you find a suitable coverage that best suits your needs and budget.

How Umbrella Insurance Benefits Your Small Business

As a small business owner in the Jefferson City, MO area, you have plenty of worries on your plate, including how to best protect your business against a variety of risks. While an ordinary business insurance policy covers most of these risks, there are times when you need to rely on more than your standard liability coverage. This is where umbrella insurance comes into play. The dependable agents at Luebbering Insurance Agency, LLC can help you find an umbrella insurance policy that’s right for your small business.

Additional Coverage When Your Business Needs It Most

When faced with a legal claim that’s in excess of your business insurance’s liability coverage limits, the thought of having the remainder coming out of your pocket can be sobering. Not having enough coverage can even spell the end of your small business. An umbrella insurance policy adds supplemental coverage on top of your existing liability policies, picking up where your general liability coverage falls short.

Having umbrella insurance can also provide some unexpected benefits. If you’re pursuing a large contract, for instance, your clients may require a certain amount of liability insurance as a prerequisite. Your umbrella insurance policy easily bridges the gap between your existing coverage and your client’s insurance requirements.

Greater Peace of Mind

Accidents happen and an unexpected accident can have some severe consequences for your business. You may even worry if your current business insurance policy can handle the liability. Having additional liability coverage through umbrella insurance can set your mind at ease.

At Luebbering Insurance Agency, LLC, we understand the importance of protecting your business against all types of expected and unforeseen claims. Reach out to us if you’re in the Jefferson City, MO area and need insurance that meets the varied requirements of your small business.

Can You Take Out Condo Insurance if You Are Renting It?

Condo insurance is something that is highly beneficial to anyone that owns a condo. If you do own a condo, it may be beneficial to look into a condo policy to protect your property. For those that do own a condo there are many benefits to a policy, but what do you do if you are renting a condo?

For those in the Columbia or Jefferson City, MO area, the agents with Luebbering Insurance Agency, LLC can help you find a policy that works for you.

Renters and Condo Insurance

There are a few things to consider when it comes to condo insurance if you are renting. If you are the renter, you are not going to be able to take out a policy on the condo because you do not own the property. If you still want some insurance on the condo, you would do better to take out a renters policy to help protect your property and yourself.

If you are the owner of the condo and are renting it out, you can still take out a traditional condo policy to help protect your property should someone that is renting it damage the property or if a liability issue should arise. This type of policy is going to be the same as you would have if you were insuring the condo. You may want to add extra coverage to consider the renter. It is always best to figure out what your individual property requires and to find out just what is going to be the most beneficial for your needs. For those in the Columbia or Jefferson City, MO area, the agents with Luebbering Insurance Agency, LLC can help.  

How Much Life Insurance Coverage Should You Have?

It doesn’t matter your age, if you have decided that you should have life insurance, the next thing that you need to do is determine how much coverage you should have. This is something that a lot of people overthink and get stuck on during the process of purchasing life insurance. If you are trying to determine how much you need, make sure you use this guide from Luebbering Insurance Agency, LLC, serving Columbia and Jefferson City, MO, to get you started. 

  • You should replace your salary if people depend on it. As a rule of thumb, you should have enough life insurance to cover 7 to 10 times your current salary. This will help set up your dependents for success both now and in the future. 
  • You should have enough to cover any debt. If you have debt, that is the last thing that you want to leave to your loved ones. You should have enough life insurance to cover those debts, so they do not have to worry about it after you are gone. 
  • You should have enough to pay for your funeral. A funeral is not cheap, and if you want to take some more pressure off of your loved ones, you should have enough life insurance coverage to take care of the cost. 

As you can see, determining how much life insurance you need is not as difficult as most people make it out to be. However, if you still need help determining the right amount for you, be sure to reach out to us here at Luebbering Insurance Agency, LLC, serving Columbia and Jefferson City, MO, today. We will help you determine the right amount for your needs and can even get you a free quote for coverage that meets those needs and is within your budget. 

Pros And Cons Of Purchasing Comprehensive Auto Insurance

The agents of Luebbering Insurance Agency, LLC in Jefferson City, MO have an expertise when it comes to types of car insurance. There are four common types of auto insurance coverage including liability, collision, uninsured/underinsured motorist, and comprehensive coverage.

Understanding Auto Policies

The question of what is the best auto insurance coverage requires the understanding of the purpose of the coverage. Collision and comprehensive coverage address different events that damage cars. It is not uncommon to confuse comprehensive insurance with collision insurance. Whether or not to accept collision coverage is based upon a simple cost-benefit analysis, comparing the value of your car with the cost of repairing the vehicle.

Comprehensive insurance and collision coverage both insure your car from damages by different events. Collision covers car accidents. The advantage of comprehensive coverage is for such events that are out of control of the car’s owner such as theft, Acts of God, damages caused by animals, riots, floods, vandalism, and fire. It is clear that coverage for a theft of a car is one of the best reasons to purchase comprehensive coverage especially if your car is costly or you live in an area of frequent car thefts. 

The disadvantage of comprehensive coverage is the higher price of the premiums that exceeds the cost of collision coverage. Further, comprehensive coverage triggers such features as insurance riders for any rental car options, or emergency roadside services. The only way to reduce the charge is to cancel these services. Riders to collision coverage could make it less expensive than comprehensive coverage such as having a garage for a car to make it less exposed to vandalism.

Luebbering Insurance Agency, LLC in Jefferson City, MO will provide you with the auto insurance coverage that best meets your needs. Please call us for a quote and to have your questions answered!

Litigation Kills Small Business, But Many Don’t Protect Themselves Enough

The number one form of new small business today belongs to virtual businesses in both Jefferson City, MO and many surrounding areas. This has been generated and spawned by the internet, and the ease with which just about anyone can set up a virtual business and operate from anywhere, providing services and goods while receiving electronic payment, even from across the country or worldwide. However, just because it’s easy to start a business doesn’t mean that survival is easier.

Many new businesses are killed in their first few years out of simple neglect for operating risk and having commercial insurance coverage. They get someone upset, they deliver a bad product design, or someone gets hurt while working with the business. Any of these three or other reasons can trigger the death-knell of a business in the form of a lawsuit. And, according to what the professionals at Luebbering Insurance Agency, LLC have seen, an initial lawsuit can send the majority of unprotected small business right into bankruptcy almost immediately. That’s a horrible way to end a new business idea before it’s time.

Many think taxes, government regulation, or stronger competition are the big barriers to a new small business success, but this couldn’t be farther from reality. By and large, the big problem is the risk of making a mistake and then being held legally responsible for it.

The experts at Luebbering Insurance Agency, LLC are available to help and understand that folks in Jefferson City, MO will have questions about commercial insurance, just like anywhere else. That’s okay, they are available to listen, explain, and help guide new business owners and managers to the right packages and coverage plans that help new companies grow and stay protected. Don’t take a chance with your new company right out of the gate. Get the commercial insurance protection you need to stay alive and growing instead of becoming someone’s settlement payment.